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Financial Highlights

Financial Highlights
2020 FQ2 YTD
6/30/2020
2019 FY
12/31/2019
2018 FY
12/31/2018
2017 FY
12/31/2017
2016 FY
12/31/2016
Balance Sheet ($000)
Total Assets 2,812,153 2,309,557 2,138,954 1,525,857 1,377,263
Total Net Loans 2,021,068 1,696,488 1,549,653 1,153,724 1,044,469
Total Deposits 2,069,261 1,678,764 1,579,893 1,204,923 1,121,103
Equity Attributable to Parent Company 336,613 330,126 298,898 184,461 137,616
Total Equity 336,613 330,126 298,898 184,461 137,616
Profitability (%)
Net Income($000) 14,337 33,878 14,139 15,872 17,217
Net Income Attributable to Parent($000) 14,337 33,878 14,139 15,872 17,217
ROAA 1.07 1.51 0.81 1.04 1.19
Core ROAA 1.11 1.54 1.42 1.10 1.22
ROAE 8.65 10.64 6.50 9.19 12.90
ROATCE 11.85 14.92 8.18 11.68 19.17
Core ROAE 8.99 10.84 11.41 9.70 13.23
Net Interest Margin 3.78 4.20 4.15 3.88 3.80
Reported: Net Interest Margin 3.84 4.31 4.21 4.01 3.93
Efficiency Ratio 60.10 61.46 63.33 67.77 65.17
Noninterest Inc/ Operating Rev 23.90 20.76 21.87 23.08 24.10
Balance Sheet Ratios (%)
Loans/ Deposits 97.76 101.80 98.86 96.66 94.15
Securities/ Assets 14.77 16.84 17.36 16.18 15.38
Total Equity/ Total Assets 11.97 14.29 13.97 12.09 9.99
Tangible Equity/ Tangible Assets 9.29 11.08 10.43 10.47 8.11
Tang Common Equity/ Tang Assets 9.29 11.08 9.98 9.31 6.70
Asset Quality (%)
NPAs/ Assets 0.26 0.37 0.42 0.59 0.81
NPA Excl Restructured/ Assets 0.18 0.24 0.27 0.40 0.51
NPAs & 90+ PD/ Assets 0.26 0.37 0.42 0.59 0.81
NPAs/ Loans & REO 0.36 0.50 0.57 0.77 1.06
Nonaccrual & 90+ & OREO/ Assets 0.18 0.24 0.27 0.40 0.51
NPAs & 90+ PD/ Loans & REO 0.36 0.50 0.57 0.78 1.06
NPA & Loans 90+/ Tangible Common Equity + LLR 2.67 3.29 4.07 5.93 10.76
NCOs/ Avg Loans 0 0 0.02 0.02 (0.02)
Loan Loss Reserves/ Gross Loans 1 0.86 0.87 1.13 1.26
Reserves/ NPAs 279.34 171.65 153.82 145.35 119.22
Loan Loss Provision/ NCO NM NM 331.91 0 NM
Capital Adequacy
Tier 1 Common Capital (CET1)($000) 241,143 241,074 208,061 140,853 93,463
Tier 1 Capital($000) 270,570 270,501 246,852 187,638 141,840
Tier 2 Capital($000) 20,420 14,767 13,679 13,134 13,305
Total Capital($000) 290,990 285,268 260,531 200,772 155,145
Total Risk-weighted Assets($000) 1,864,140 1,768,818 1,616,090 1,212,810 1,092,952
Tier 1 Common Capital (CET1) Ratio(%) 12.94 13.63 12.87 11.61 8.55
Tier 1 Ratio(%) 14.51 15.26 15.30 15.47 12.98
Total Capital Ratio(%) 15.61 16.10 16.15 16.55 14.20
Liquidity Coverage Ratio(%) NA NA NA NA NA
Leverage Ratio(%) 10.43 12.35 12.22 12.70 10.55
Basel III Leverage Ratio(%) NA NA NA NA NA
Per Share Information ($)
Common Shares Outstanding(actual) 16,052,979 16,687,542 15,603,499 10,198,475 8,343,509
Avg Diluted Shares(actual) 16,280,935 16,851,740 13,855,707 12,352,616 10,950,961
Basic Book Value per Share 20.97 19.78 18.56 16.39 14.22
Book Value per Share, As Reported 20.97 19.78 18.56 16.39 14.22
Basic Tangible Book Value per Share 15.79 14.77 13.14 13.68 10.84
Tangible Book Value per Share, As Reported 15.79 14.77 13.14 13.68 10.84
Common Dividends Declared per Share 0.22 0.42 0.32 0.25 0.22
EPS after Extra 0.88 2.01 1.02 1.28 1.57
EPS after Extra Growth(%) (18.50) 97.10 (20.30) (18.50) 34.20
Core EPS 0.92 2.05 1.79 1.35 1.61
Core EPS Growth(%) (17) 14.40 32.40 (16.10) 30.30
Diluted EPS before Amortization 0.91 2.07 1.05 1.33 1.63
Pre-Provision Earnings per Share 1.08 1.90 1.75 1.16 1.33
Data shown on this page is extracted directly from the company’s documents. S&P makes every effort to line up fields, captions and headers that represent the same data over time, despite variations in how the company may report these items in different documents. In certain instances the variation in the company’s presentation over time may be too significant, potentially resulting in repeating and/or disordered items. Despite possible issues with the presentation, S&P, as always, stands by its commitment to the quality of the data.

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